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Beacon Financial Corp

BBT

$31.52 ▼ -0.07 (-0.24%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

Beacon Financial Corp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.8B

Dividend Yield 2.31%

Revenue Growth 38.2% ↗

Op. Margin 22.0% ↗

ROIC None

FCF / Share None

Trailing P/E 30.6x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.32

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$553.00M

↑ +38.2% —

Net Income Profit after all expenses

$90.27M

↑ +48.0% —

Operating Margin Operating profit as % of sales

22.0%

↑ +10.9% 78th

Long-Term Debt Long-term obligations

$788.36M

↑ +135.6% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.73 Latest / share

+1.1% YoY

+0.1% 12-yr CAGR

$0.72

FY 2014

$0.76

FY 2015

$0.80

FY 2016

$0.84

FY 2017

$0.88

FY 2018

$0.92

FY 2019

$0.72

FY 2020

$0.48

FY 2021

$0.54

FY 2022

$0.72

FY 2023

$0.72

FY 2024

$0.73

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	38.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+537%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-148%)	-0.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	-4.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-180%)	13.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	-14.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-345%)	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	41.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+584%)	11.2% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	18.4% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	15.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+149%)	38.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+545%)	33.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+456%)	12.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	—	—
EPS Growth YoY (%)	-28.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-20.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-15.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-13.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	64.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	27.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	53.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	48.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.3% Weak ↑ Weak Improving Year-over-year change in net income	-24.8% Weak Weak Year-over-year change in net income	-22.0% Weak Weak Year-over-year change in net income	N/M	N/M	-7.9% Weak ↓ Weak Declining Year-over-year change in net income	91.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	18.5% Good ↑ Good Improving Year-over-year change in net income	46.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.0% Weak ↓ Weak Declining Year-over-year change in net income	24.0% Good ↓ Good Declining Year-over-year change in net income	91.3% Excellent Excellent Year-over-year change in net income	25.2% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	14.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	28.6% Excellent Excellent Compound annual revenue growth over 3 years	27.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	14.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.2% Excellent Excellent Compound annual revenue growth over 5 years	19.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-20.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-15.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	0.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	1.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	—	1.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	1.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.3% Fair Fair Compound annual EPS growth over 3 years	11.9% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	22.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	19.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	19.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	27.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	34.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	-139.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-657%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	16.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	16.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	-139.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-732%)	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	13.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	14.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	18.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	12.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	13.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	-16.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	-44.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-474%)	5.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	6.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	5.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	-4.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-134%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.38x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.48x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.98x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	0.76x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	1.20x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.42x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+19%)	1.48x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+24%)	1.57x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+31%)	0.67x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.43x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$6.33	$9.41	$9.51	$9.08	$8.82	$7.62	$9.12	$9.35	$10.66	$9.62	$9.44	$9.16	$9.15	$8.89	$7.96	$7.70	$7.19	—
Basic EPS, GAAP (USD)	$1.03	$1.44	$1.61	$2.03	$2.41	$-10.60	$1.98	$2.30	$1.40	$1.89	$1.74	$1.36	$1.66	$1.49	$0.97	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.73	$0.72	$0.72	$0.54	$0.48	$0.72	$0.92	$0.88	$0.84	$0.80	$0.76	$0.72	$0.72	$0.69	$0.65	$0.64	$0.64	—
Book Value per Share (USD)	$29.69	$25.15	$23.27	$21.51	$24.30	$23.37	$35.47	$34.19	$33.04	$30.65	$28.64	$28.17	$27.08	$26.53	$26.09	$27.61	$29.20	—
Tangible Book Value per Share (USD)	$23.25	$24.82	$22.82	$20.95	$23.69	$22.68	$23.38	$22.04	$20.73	$18.80	$17.84	$17.20	$16.27	$15.63	$15.53	$15.31	$29.20	—
Basic Weighted Avg Shares (shares)	87.38M	42.51M	43.29M	45.56M	49.24M	50.27M	49.26M	46.02M	39.46M	30.99M	28.39M	24.73M	24.80M	22.20M	17.89M	13.86M	13.19M	—
Dividend Payout Ratio (%)	70.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-6.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.0% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.9% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	67.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$788.36M	$334.59M	$246.59M	$125.51M	$110.84M	$531.64M	$702.55M	$398.98M	$469.77M	$231.95M	$192.12M	$151.42M	$191.60M	$284.94M	$227.40M	—	—	—
Total Equity (USD)	$2.50B	$1.17B	$1.01B	$954.06M	$1.18B	$1.19B	$1.76B	$1.55B	$1.50B	$1.09B	$887.19M	$709.29M	$678.06M	$667.26M	$551.81M	$388.65M	$385.15M	$408.86M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$553.00M	$400.00M	$411.83M	$413.53M	$434.41M	$383.09M	$449.26M	$430.52M	$420.48M	$298.12M	$268.14M	$226.46M	$226.98M	$197.44M	$142.32M	$106.70M	$94.77M	—
Depreciation Expense (USD)	$10.00M	$7.00M	$8.40M	$9.60M	$11.00M	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$90.27M	$61.00M	$69.60M	$92.53M	$118.66M	$-533.02M	$97.45M	$105.77M	$55.25M	$58.67M	$49.52M	$33.74M	$41.14M	$33.19M	$17.35M	$13.86M	$-15.93M	—
Operating Cash Flow (USD)	$224.44M	$125.21M	$157.16M	$123.23M	$105.48M	$227.64M	$111.53M	$222.25M	$78.09M	$98.14M	$86.29M	$55.82M	$127.41M	$28.65M	$40.17M	$40.69M	$11.89M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.2%	2.9%	3.0%	3.0%	2.5%	2.5%	2.8%	2.9%	2.5%	2.5%	2.7%	2.7%	3.0%	2.7%	2.7%	2.7%	—	—
Efficiency Ratio (%) (%)	70.5%	74.1%	73.2%	69.8%	65.8%	219.3%	64.5%	62.0%	71.3%	68.2%	73.4%	73.3%	69.3%	71.3%	81.8%	76.6%	82.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

Beacon Financial Corp

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